I would give zero star if possible

I would give zero star if possible .

I never pay debt late and always pay extra. Had 3 loans over 12 years with capitec and never paid longer than 1 year.

Last time I received also a bad interest rate at 18%, now the best is 25,6%.

How is this possible, as I have only one account and is current and all accounts are always paid off in half the time or less.

Credit scores is a sham in South Africa.